HOA Intelligence Platform

Budget →

YTD Operating

($31.9K)

vs $0 budget · 7 of 12 months

LOSS

Reserves →

Reserve Balance

$287.4K

of $1,062K target

27%

Income →

Monthly Assessment

$504.82

per unit · 96 units

Current

AR →

AR — Collections

$23.9K

5 active collection accounts

ACTION

Reserve Fund Health

vs Reserve Study target ($1,062,000)

UNDERFUNDED

$0 Current: $287.4K Target: $1,062K

Current monthly contribution $17,200.00

Study recommended $18,350.00

Monthly shortfall ($1,150.00)

Study basis Level III · Aug 2025

Top Budget Variances YTD

7 months through March 31, 2026 · SDCA

4 OVERRUNS

5341 Buildings & Grounds $13,420 $36,180 +170%

5030 Gas $21,000 $29,340 +40%

5520 Insurance $28,640 $35,820 +25%

5080 Telecom $3,150 $7,420 +136%

5335 Plumbing $7,840 $21,650 +176%

Active Capital Projects

2 in progress · FY2026

Project	Building	Total Cost	Source	Status
Common Area Carpet Refresh	All 4 buildings	$58,400	Reserves	IN PROGRESS
Pool Deck Resurfacing	2100 Sunset Canyon Dr	$22,500	Reserves	IN PROGRESS
Cast Iron Drain Stack Replacement	All buildings — ongoing	$14,820	Reserves	COMPLETE (YTD)
2110 Laundry Room Plumbing	2110 Sunset Canyon Dr	$11,400	Reserves	COMPLETE

GL Code	Description	Annual Budget	7-Mo Budget	YTD Actual	$ Variance	% Var	Status
Income
4110	Monthly Assessments	$591,240	$344,890	$351,420	+$6,530	+1.9%	OK
4125	Collection Reimbursement	—	—	$2,140	—	—	OK
4131	Laundry Commission	$5,400	$3,150	$1,180	($1,970)	-63%	MONITOR
4140	Late Assessment Fees	—	—	$1,640	—	—	OK
4141	Admin Fee / Late Charge	—	—	$280	—	—	OK
4142	Bank Charge Reimbursement	—	—	$60	—	—	OK
4195	Misc Income	$1,000	$583	$240	($343)	-59%	MONITOR
Utilities
Overruns in this category reflect commodity price fluctuations and are being monitored. No corrective action required unless trend worsens.
5020	Electricity — pricing increase	$32,400	$18,900	$22,140	($3,240)	-17%	WARN
5030	Gas — seasonal + commodity	$36,000	$21,000	$29,340	($8,340)	-40%	WARN
5080	Telecom	$18,600	$10,850	$7,420	+$3,430	+32%	OK
5050	Water	$19,800	$11,550	$12,680	($1,130)	-10%	OK
Buildings & Grounds Maintenance
5335	Plumbing — portion reclassifying to reserves	$13,440	$7,840	$21,650	($13,810)	-176%	PENDING RECODE
5341	Buildings & Grounds — portion reclassifying to reserves	$23,040	$13,440	$36,180	($22,740)	-169%	PENDING RECODE
5344	Carpet Cleaning	$3,840	$2,240	$0	+$2,240	+100%	RESERVE PROJECT
5366	Elevator Repairs	$9,600	$5,600	$380	+$5,220	+93%	OK
Administrative
5520	Insurance	$49,080	$28,630	$35,820	($7,190)	-25%	SENT TO MGMT
5530	Management Service	$33,000	$19,250	$19,250	$0	+0%	OK

Fund Balance

$287.4K

Book Balance $287,410 · as of Mar 31, 2026

% of FY2026 Target

74%

of $389K FY2026 study target (DVRC 2025)

Monthly Contribution

$17,200

Study recommends $18,350

FY2026 Study Target

$389K

DVRC recommended opening balance · full funding = $1,062K

Funding Status vs Target

Current: $287.4KFY2026 Target: $389K

74% of FY2026 DVRC study target · Full funding target = $1,062K (27.1% of full funding)

The August 2025 Level III study is a financial update only — no site inspection. It is based on a June 2024 site inspection.

Drain & Stack Maintenance

Cast iron stack replacements and laundry drain repairs are managed reactively — addressed when a failure is identified (typically via water leak). Not tracked as reserve components.

Component	Status	Est. Cost	In DVRC Study	Notes
Roof	IN STUDY	—	Yes	Included in DVRC Level III study.
Elevator	IN STUDY	—	Yes	Included in DVRC Level III study.
Pool/Spa	IN STUDY	—	Yes	Included in DVRC Level III study.
Exterior Paint	IN STUDY	—	Yes	Included in DVRC Level III study.

Current Balance ($)

Monthly Contribution ($)

Inflation Rate (%)

ROI / Interest Rate (%)

Projected Balance — 5 Years

$0

% of inflation-adjusted target

Projected Balance — 10 Years

$0

% of inflation-adjusted target

Years to Reach 70% Funded

—

At current contribution rate

Year-by-Year Projection

Next 15 years · Contributions + ROI vs inflation-adjusted target

Year	FY End	Contributions YTD	Balance (w/ ROI)	Inflation-Adj Target	% Funded	Gap

Metric	A: Current (4% infl / 3% ROI)	B: DVRC Assumptions (3% infl / 3% ROI)	C: Recommended Contribution	Best Case (2% infl / 3.5% ROI)
Monthly Contribution	$17,200	$17,200	$18,350	$17,200
5-Year Balance	—	—	—	—
10-Year Balance	—	—	—	—
Years to 70% Funded	—	—	—	—
10-yr Inflation-Adj Target	—	—	—	—

Component	Status	Notes
Roof	IN STUDY	Included in DVRC Level III study.
Elevator	IN STUDY	Included in DVRC Level III study.
Pool / Spa	IN STUDY	Included in DVRC Level III study.
Exterior Paint	IN STUDY	Included in DVRC Level III study.
Cast Iron Drain Stacks	REACTIVE	Repaired on failure — not a reserve component.
Laundry Drain Infrastructure	REACTIVE	Repaired on failure — not a reserve component.

Per-unit impact of an assessment increase across all 6 unit tiers · Current rates effective Sept 1, 2024 · No increase taken in FY2026

Quick Select:

Custom:

%

New Monthly Revenue

—

vs current

Additional Monthly

—

increase over current

Additional Annual

—

full-year impact

Units Affected

96

all unit types

Per-Unit Type Breakdown

Source: CC&Rs Exhibit B · FY25 rates = FY26 rates (no increase taken)

Unit Type	Sq Ft	# Units	Current Mo.	New Mo.	Mo. Increase	Annual Increase / Unit	Total Annual (All Units)

ℹ

Context Last increase was Sept 1, 2024 (+10%). No increase taken for FY2026. Any FY2027 increase would be the first since then.

Operating Income Model — FY2027 Pro Forma

Expense inflation:

Custom: %

FY2026 Net Operating

($43,008)

budget baseline · deficit

FY2027 Net Operating

—

at selected increase %

Improvement vs FY2026

—

swing in net operating income

Break-even Rate Needed

—

to reach $0 net (at 3% exp inflation)

Full P&L Comparison

FY2026 budget baseline vs FY2027 pro forma · reserve at $17,200/mo ($206,400/yr)

Line	Description	FY2026 Budget	FY2027 Pro Forma	Change $	Change %

📋

Model assumptions FY2026 budget: $602,880 income · $462,800 operating expenses · $192,000 reserve (old rate). FY2027: reserve updated to $206,400 ($17,200/mo × 12). Other income held flat. Assessment revenue scales with selected %.

Total AR

$23.9K

14 accounts · April 6 report

Largest Balance

$14.2K

Whitmore #218 — atty prep

Lien / Filed

2 units

Whitmore (atty), Castillo (lien filed)

Recently Cleared

2 units

Hudson · Nguyen (partial)

2150 Sunset Canyon Dr #218 — Whitmore

Coll Status: Prep Docs for Attorney (escalated from NOD)

ATTY PREP

$14,220.00

2152 Sunset Canyon Dr #301 — Castillo

Coll Status: Lien Filing — Eastside Legal Group

LIEN FILING

$3,980.00

2100 Sunset Canyon Dr #115 — Brennan

Coll Status: Lien Approval Board

LIEN APPROVAL

$2,850.00

2110 Sunset Canyon Dr #412 — Morales

Coll Status: Reminder Notice

REMINDER

$980.00

2100 Sunset Canyon Dr #209 — Nguyen

Coll Status: Reminder Notice

REMINDER

$445.00

2150 Sunset Canyon Dr #322 — Hudson

SETTLED 2/15/2026

SETTLED

$0.00

2110 Sunset Canyon Dr #116 — Lawson

NOT PAID · Common Area – Pool Equipment Damage

UNPAID

$220.00

Common Area Carpet Refresh — All 4 Buildings

All 3 floors · 2100, 2110, 2150, 2152 Sunset Canyon Drive · Work begins April 6, 2026

Total

$58,400

Deposit Paid

$29,200

Remaining

$29,200

Source

Reserves

IN PROGRESS

Pool Deck Resurfacing — Building A

2100 Sunset Canyon Drive · Pool deck and coping resurfacing · Completing Q2 2026

Total

$22,500

Source

Reserves

In Reserve Study

Yes

IN PROGRESS

2110 First Floor Laundry Room — Major Plumbing Failure

2110 Sunset Canyon Drive · Completed February 2026

Cost

$11,400

Source

Reserves

COMPLETE

Pool Equipment Room Door Repair

2100 Sunset Canyon Drive · Completed 2025

Source

Operating

COMPLETE

Cast Iron Stack Replacement Tracker

Updated April 9, 2026 · Reactive maintenance — not a reserve component

25% COMPLETE

TOTAL STACKS

88

residential

COMPLETED

22

25%

REMAINING

66

75%

LAUNDRY AREAS

3/4

Bldg C pending

By Stack Type

Stack Type	Total	Completed	Remaining	% Done
Kitchen	32	10	22	31%
Master Bath	32	9	23	28%
Guest Bath	24	3	21	13%
Total	88	22	66	25%

Suggested Questions

What is our FY2026 reserve fund balance?

What is our current reserve funding percentage?

What is the monthly assessment per unit?

What are our top budget overruns this year?

Can we raise assessments more than 20% without a member vote?

What is the process for levying a Special Assessment?

What is the board's liability for water damage inside a unit?

How many days notice is required before a board meeting?

What is the $25,000 water damage deductible policy?

What did we pay Tom Barrett this fiscal year?

What is the status of the stack replacement program?

What rights does a first mortgagee have to review HOA records?

AI

HOA Intelligence · Document AI

Ask me anything about Sunset Desert — finances, CC&Rs, reserves, vendors, assessments, or board procedures. I'll give you the short answer first. Ask for more if you need it.

Powered by Claude · Responses grounded in your uploaded documents

📂

Drop documents here or click to upload

PDF · CC&Rs · Bylaws · Reserve Study · Financial PDFs

Governing Documents

Document	Type	Pages	Uploaded	AI Ready
CC&Rs (Restated)	Governing	68	In Project	✓ Active
Amended & Restated Bylaws 2019	Governing	34	In Project	✓ Active
Articles of Incorporation 1981	Governing	10	In Project	✓ Active
Desert Valley Reserve Study August 2025	Reserve	—	In Project	✓ Active
Proposed Budget FY2026	Financial	2	In Project	✓ Active

4

FAIL

10

WARN

6

GAP

13

PASS

Critical Failures

4 FAIL

#	Check	Category	Finding	Status
Q14	Insurance budget vs actual	Budget Accuracy	GL 5520 $35,820 actual vs $28,630 7-mo budget — 25% overrun ($7,190)	SENT TO MGMT
Q28	AR 90+ day concentration	Delinquency	April 6 AR: $23,895 total (14 accounts) — Whitmore $14.2K (atty prep); Castillo lien filed; Brennan lien approval; Lawson $220 unpaid chargeback	FAIL

Data Gaps

6 GAP

#	Gap	Impact	Status
G1	Account 1906 — Deferred Special Assessment $76,240.00	Balance sheet overstated; phantom asset	SENT TO MGMT
G5	FY2025 year-end CPA review	Cannot confirm prior-year closing balances	NOT AVAILABLE
G6	Homeowner contact details — incomplete directory	AI owner lookup partially degraded	IN PROGRESS

📤

Drop monthly PDFs here or click to select

RevANDExps · BalanceSheetwithGLCodes · paidInvoicesByServiceProvider · Annual_Budget_Comparison

Imported Financial Data

Updates dashboard automatically on import

PDF Type	Contents	Last Imported	Period	Status
RevANDExps	Revenue & Expense P&L	—	—	PENDING
BalanceSheet	Balance Sheet + GL	—	—	PENDING
PaidInvoices	Vendor invoice detail	—	—	PENDING
BudgetComparison	YTD budget vs actual	—	—	PENDING

How automatic import works

1. Drop PDFs — any or all 4 monthly files from your management company, in any order
2. Text extracted — PDF.js reads the file client-side; nothing uploaded to any server
3. Parse mode: if a Claude API key is set in Settings, Claude identifies and extracts all GL data precisely. Without a key, a built-in local pattern parser handles standard management report formats automatically — no API needed.
4. Dashboard updates — KPI cards, budget vs actual, AR aging, and capital project log refresh automatically
5. Data persists — imported data saved to localStorage; survives page refresh

⬛ Parse mode: LOCAL (no API key) API mode: higher accuracy, handles non-standard layouts

Operating Checking

$238,541

Bank Statement · Book Balance $227,708 · 3/31/2026

RECONCILED

Reserve MMA

$288,940

Bank Statement · Book Balance $287,410 · $1,530 gap (void pending) · 3/31/2026

27% FUNDED

Total Cash — All Accounts

$579,841

Operating + Reserve · Mar 31, 2026

VERIFIED

HOA Analyzed Business Checking — Operating (XXXXXX2975)

Desert Ridge Property Mgmt Co., Agent · Desert Community Bank · Statement Period: Mar 1–31, 2026

RECONCILED

OPENING BALANCE (2/28)

$231,911.94

TOTAL CREDITS

+$53,256.72

TOTAL DEBITS

−$46,627.64

ENDING BALANCE (3/31)

$238,541.02

Key ACH Debits

Date	Vendor	Amount
02-03	Reserve Transfer (to 1754)	$17,200.00
02-03	First Insurance Funding	$3,852.71
02-06	Telecom Services	$4,846.17
02-05	Desert Water Agency (×7)	$1,731.12
02-24	SoCal Gas (×3)	$6,783.97
02-23	So Cal Edison	$2,577.87
02-24	Coachella Valley Water District	$1,782.09
02-03	Desert Valley Insurance Refund	$901.61

Checks Paid (16 enclosures)

Chk	Date	Amount
576	02/04	$930.00
578	02/04	$525.45
580	02/05	$33.90
582	02/10	$315.00
584	02/06	$180.00
585	02/06	$3,400.00
587	02/19	$49.50
588	02/10	$505.00
589	02/17	$675.00
591*	02/23	$744.40
592	02/26	$450.00
593	02/19	$179.63
594	02/23	$1,127.00
595	02/19	$49.50
596	02/20	$3,463.33
597	02/23	$310.00

* Skip in check sequence · Checks 577, 579, 581, 583, 586, 590 outstanding or void

HOA Business MMA Analyzed — Reserve Fund (XXXXXX1754)

Desert Ridge Property Mgmt Co., Agent · Desert Community Bank · Statement Period: Mar 1–31, 2026 · APY 0.75%

27% FUNDED

OPENING BALANCE (2/28)

$290,765.22

TOTAL ADDITIONS

+$17,399.94

Transfer $17,200 + Interest $199.94

TOTAL DISBURSEMENTS

−$19,825.16

Coachella Plumbing Inc (ACH + Ck 50) · AquaCare Pool Services (Ck 48 + 49)

ENDING BALANCE (3/31)

$288,940.22

Disbursements — March 2026

Date	Payee	Ck#	Amount
03/10	Coachella Plumbing Inc — Stack repairs Bldg A/B (Inv #4218)	ACH	$14,820.00
03/03	AquaCare Pool Services — hot tub repairs	48	$1,340.00
03/05	AquaCare Pool Services — pool equipment	49	$1,485.00
03/31	Coachella Plumbing Inc — 2152 laundry cleanouts (Inv #4231)	50	$2,180.00
Total Disbursements			$23,508.70

Interest & Rate Info

APY Earned0.75%

Interest-Bearing Days31

Net Reserve Change($1,825.28)

Interest Earned Mar$199.94

Interest Earned YTD$1,390.44

⚠ Reserve — Book vs Bank Statement Discrepancy — Being Resolved
Bank Statement: $288,940.22 · Book Balance: $287,410.00 — $1,530 gap. Prior management era voided check posted to bank statement but never to books. Management voiding 4/7/2026; expect to clear in April package.

Daily Balance Snapshot — Operating Account (2975)

March 2026

Date	Balance	Date	Balance	Date	Balance
02/28	$192,880.44	Opening balance (prior month end)
03/31	$199,640.18	Ending balance — assessment collections received

Ending balance 3/31/2026: $199,640.18 · Net change from Feb: +$6,759.74 · March assessment income $50,208.96

FY2026 Deposit Register Summary

September 1, 2025 – March 31, 2026 · Both Accounts · Source: Deposit Register Report

7 MONTHS

Operating Account (2975) — Credits

Category	Amount
Monthly Assessments (96 units × 7 mo)	~$363,380.16
Laundry Income (CoinMach, Oct 30)	$1,180.00
Total Operating Deposits FY2026	$364,820.06

Notable: Whitmore #218 — $1,500 partial payment 2/15/2026 via escrow. Several accounts on recurring payment plans. One escrow-funded account on regular schedule.

Reserve Account (1754) — Credits

Category	Amount
Monthly Transfers from Operating (7 × $17,200)	$120,400.00
Interest Earned FY2026 (0.75% APY)	$1,390.44
Total Reserve Deposits FY2026	$121,790.44

Interest Breakdown: Sep $218.40 · Oct $224.60 · Nov $220.10 · Dec $218.80 · Jan $212.40 · Feb $196.20 · Mar $199.94 = $1,390.44

FY2026 Grand Total (Both Accounts): $476,408.78 in deposits · Operating $354,618.34 · Reserve $121,790.44 · Source: Deposit Register Report 9/1/2025–3/31/2026 (filed 4/4/2026)

Association

Association Name

Displayed in header and reports

Total Units

Fiscal Year Start

Month the FY begins

Property Manager

Reserve Fund

DVRC Study Target

Fully funded balance per current reserve study

Recommended Monthly Contribution

Current Monthly Contribution

AI / Document Query

Claude API Key

Required for CC&R query and document AI features

AI Model

📊

Financials

Budget, reserves, and operating reports

📄

Budget vs Actual

GL-level detail · FY2026

→

🏦

Reserve Fund Report

Balance, contributions, projections

→

🏛

Bank Statements

Operating and reserve accounts

→

📈

Year-End Financial Summary

Annual P&L and balance sheet

SOON

💰

Assessment History

Rate history and increase analysis

SOON

🏛

Association

Board, governance, and operations

🔨

Capital Projects

Active and completed · FY2026

→

📁

Document Library

CC&Rs, bylaws, governing docs

→

📄

Board Packages

Monthly packages by period

SOON

📡

Telecom & Infrastructure

Bulk internet, gates, phone lines

SOON

📅

Compliance & Governance

Elections, filings, audit trail

SOON

🏠

Homeowner

Unit-level data and owner communications

⚠️

AR Delinquency

Collections aging by account

→

🏘

Unit Directory

Owner roster, contact info

SOON

🔧

Maintenance History

Per-unit work order history

SOON

📬

Notices & Communications

Sent notices by unit or date

SOON

🅿️

Parking & Storage

Assignments by unit

SOON

🗺️

Platform Roadmap Reports marked SOON are in active development. Each report section will support custom date ranges, PDF export, and board-package integration. Contact jj@jmjero.me to discuss priorities for your association.